Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Texas. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Texas USDA Loan Limits – Guaranteed Loans
Area | 1-4 Person Households | 5-8 Person Households |
---|---|---|
Abilene, TX MSA | $306,000 | $391,000 |
Amarillo, TX HUD Metro FMR Area | $306,000 | $391,000 |
Anderson County, TX | $306,000 | $391,000 |
Andrews County, TX | $340,000 | $431,000 |
Angelina County, TX | $306,000 | $391,000 |
Aransas County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Atascosa County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Austin County, TX HUD Metro FMR Area | $306,000 | $408,000 |
Austin-Round Rock, TX MSA | $374,000 | $483,000 |
Bailey County, TX | $306,000 | $391,000 |
Baylor County, TX | $306,000 | $391,000 |
Beaumont-Port Arthur, TX HUD Metro FMR Area | $306,000 | $391,000 |
Bee County, TX | $306,000 | $391,000 |
Blanco County, TX | $306,000 | $391,000 |
Borden County, TX | $323,000 | $417,000 |
Bosque County, TX | $306,000 | $391,000 |
Brazoria County, TX HUD Metro FMR Area | $374,000 | $483,000 |
Brewster County, TX | $306,000 | $391,000 |
Briscoe County, TX | $306,000 | $391,000 |
Brooks County, TX | $306,000 | $391,000 |
Brown County, TX | $306,000 | $391,000 |
Brownsville-Harlingen, TX MSA | $306,000 | $391,000 |
Burnet County, TX | $306,000 | $391,000 |
Calhoun County, TX | $306,000 | $391,000 |
Camp County, TX | $306,000 | $391,000 |
Cass County, TX | $306,000 | $391,000 |
Castro County, TX | $306,000 | $391,000 |
Cherokee County, TX | $306,000 | $391,000 |
Childress County, TX | $306,000 | $391,000 |
Cochran County, TX | $306,000 | $391,000 |
Coke County, TX | $306,000 | $391,000 |
Coleman County, TX | $306,000 | $391,000 |
College Station-Bryan, TX MSA | $306,000 | $391,000 |
Collingsworth County, TX | $306,000 | $391,000 |
Colorado County, TX | $306,000 | $391,000 |
Comanche County, TX | $306,000 | $391,000 |
Concho County, TX | $306,000 | $391,000 |
Cooke County, TX | $306,000 | $391,000 |
Corpus Christi, TX HUD Metro FMR Area | $306,000 | $391,000 |
Cottle County, TX | $306,000 | $391,000 |
Crane County, TX | $323,000 | $417,000 |
Crockett County, TX | $306,000 | $391,000 |
Culberson County, TX | $306,000 | $391,000 |
Dallam County, TX | $306,000 | $391,000 |
Dallas, TX HUD Metro FMR Area | $340,000 | $431,000 |
Dawson County, TX | $306,000 | $391,000 |
Deaf Smith County, TX | $306,000 | $391,000 |
Delta County, TX | $306,000 | $391,000 |
DeWitt County, TX | $306,000 | $391,000 |
Dickens County, TX | $306,000 | $391,000 |
Dimmit County, TX | $306,000 | $391,000 |
Donley County, TX | $306,000 | $391,000 |
Duval County, TX | $306,000 | $391,000 |
Eastland County, TX | $306,000 | $391,000 |
Edwards County, TX | $306,000 | $391,000 |
El Paso, TX HUD Metro FMR Area | $306,000 | $391,000 |
Erath County, TX | $306,000 | $391,000 |
Falls County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Fannin County, TX | $306,000 | $391,000 |
Fayette County, TX | $306,000 | $391,000 |
Fisher County, TX | $306,000 | $391,000 |
Floyd County, TX | $306,000 | $391,000 |
Foard County, TX | $306,000 | $391,000 |
Fort Worth-Arlington, TX HUD Metro FMR Area | $306,000 | $408,000 |
Franklin County, TX | $306,000 | $391,000 |
Freestone County, TX | $306,000 | $391,000 |
Frio County, TX | $306,000 | $391,000 |
Gaines County, TX | $306,000 | $391,000 |
Garza County, TX | $306,000 | $391,000 |
Gillespie County, TX | $306,000 | $391,000 |
Glasscock County, TX | $374,000 | $483,000 |
Gonzales County, TX | $306,000 | $391,000 |
Gray County, TX | $306,000 | $391,000 |
Grimes County, TX | $306,000 | $391,000 |
Hale County, TX | $306,000 | $391,000 |
Hall County, TX | $306,000 | $391,000 |
Hamilton County, TX | $306,000 | $391,000 |
Hansford County, TX | $306,000 | $391,000 |
Hardeman County, TX | $306,000 | $391,000 |
Harrison County, TX | $306,000 | $391,000 |
Hartley County, TX | $323,000 | $408,000 |
Haskell County, TX | $306,000 | $391,000 |
Hemphill County, TX | $306,000 | $391,000 |
Henderson County, TX | $306,000 | $391,000 |
Hill County, TX | $306,000 | $391,000 |
Hockley County, TX | $306,000 | $391,000 |
Hood County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Hopkins County, TX | $306,000 | $391,000 |
Houston County, TX | $306,000 | $391,000 |
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area | $306,000 | $408,000 |
Howard County, TX | $306,000 | $391,000 |
Hudspeth County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Hutchinson County, TX | $306,000 | $391,000 |
Irion County, TX SEA | $306,000 | $391,000 |
Jack County, TX | $306,000 | $391,000 |
Jackson County, TX | $306,000 | $391,000 |
Jasper County, TX | $306,000 | $391,000 |
Jeff Davis County, TX | $306,000 | $391,000 |
Jim Hogg County, TX | $306,000 | $391,000 |
Jim Wells County, TX | $306,000 | $391,000 |
Karnes County, TX | $306,000 | $391,000 |
Kendall County, TX HUD Metro FMR Area | $374,000 | $483,000 |
Kenedy County, TX | $306,000 | $391,000 |
Kent County, TX | $306,000 | $391,000 |
Kerr County, TX | $306,000 | $391,000 |
Killeen-Temple, TX HUD Metro FMR Area | $306,000 | $391,000 |
Kimble County, TX | $306,000 | $391,000 |
King County, TX | $323,000 | $417,000 |
Kinney County, TX | $306,000 | $391,000 |
Kleberg County, TX | $306,000 | $391,000 |
Knox County, TX | $306,000 | $391,000 |
La Salle County, TX | $306,000 | $391,000 |
Lamar County, TX | $306,000 | $391,000 |
Lamb County, TX | $306,000 | $391,000 |
Lampasas County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Laredo, TX MSA | $306,000 | $391,000 |
Lavaca County, TX | $306,000 | $391,000 |
Lee County, TX | $306,000 | $391,000 |
Leon County, TX | $306,000 | $391,000 |
Limestone County, TX | $306,000 | $391,000 |
Lipscomb County, TX | $323,000 | $417,000 |
Live Oak County, TX | $306,000 | $391,000 |
Llano County, TX | $306,000 | $391,000 |
Longview, TX HUD Metro FMR Area | $306,000 | $391,000 |
Loving County, TX | $323,000 | $417,000 |
Lubbock, TX HUD Metro FMR Area | $306,000 | $391,000 |
Lynn County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Madison County, TX | $306,000 | $391,000 |
Marion County, TX | $306,000 | $391,000 |
Martin County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Mason County, TX | $306,000 | $391,000 |
Matagorda County, TX | $306,000 | $391,000 |
Maverick County, TX | $306,000 | $391,000 |
McAllen-Edinburg-Mission, TX MSA | $306,000 | $391,000 |
McCulloch County, TX | $306,000 | $391,000 |
McMullen County, TX | $306,000 | $391,000 |
Medina County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Menard County, TX | $306,000 | $391,000 |
Midland, TX HUD Metro FMR Area | $357,000 | $466,000 |
Milam County, TX | $306,000 | $391,000 |
Mills County, TX | $306,000 | $391,000 |
Mitchell County, TX | $306,000 | $391,000 |
Montague County, TX | $306,000 | $391,000 |
Moore County, TX | $306,000 | $391,000 |
Morris County, TX | $306,000 | $391,000 |
Motley County, TX | $306,000 | $391,000 |
Nacogdoches County, TX | $306,000 | $391,000 |
Navarro County, TX | $306,000 | $391,000 |
Newton County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Nolan County, TX | $306,000 | $391,000 |
Ochiltree County, TX | $306,000 | $391,000 |
Odessa, TX MSA | $306,000 | $391,000 |
Oldham County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Palo Pinto County, TX | $306,000 | $391,000 |
Panola County, TX | $306,000 | $391,000 |
Parmer County, TX | $306,000 | $391,000 |
Pecos County, TX | $306,000 | $391,000 |
Polk County, TX | $306,000 | $391,000 |
Presidio County, TX | $306,000 | $391,000 |
Rains County, TX | $306,000 | $391,000 |
Reagan County, TX | $306,000 | $408,000 |
Real County, TX | $306,000 | $391,000 |
Red River County, TX | $306,000 | $391,000 |
Reeves County, TX | $306,000 | $391,000 |
Refugio County, TX | $306,000 | $391,000 |
Roberts County, TX | $357,000 | $466,000 |
Runnels County, TX | $306,000 | $391,000 |
Rusk County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Sabine County, TX | $306,000 | $391,000 |
San Angelo, TX MSA | $306,000 | $391,000 |
San Antonio-New Braunfels, TX HUD Metro FMR Area | $306,000 | $391,000 |
San Augustine County, TX | $306,000 | $391,000 |
San Jacinto County, TX | $306,000 | $391,000 |
San Saba County, TX | $306,000 | $391,000 |
Schleicher County, TX | $306,000 | $391,000 |
Scurry County, TX | $306,000 | $391,000 |
Shackelford County, TX | $306,000 | $391,000 |
Shelby County, TX | $306,000 | $391,000 |
Sherman County, TX | $306,000 | $391,000 |
Sherman-Denison, TX MSA | $306,000 | $391,000 |
Somervell County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Starr County, TX | $306,000 | $391,000 |
Stephens County, TX | $306,000 | $391,000 |
Sterling County, TX | $306,000 | $391,000 |
Stonewall County, TX | $306,000 | $391,000 |
Sutton County, TX | $306,000 | $391,000 |
Swisher County, TX | $306,000 | $391,000 |
Terrell County, TX | $306,000 | $391,000 |
Terry County, TX | $306,000 | $391,000 |
Texarkana, TX-Texarkana, AR HUD Metro FMR Area | $306,000 | $391,000 |
Throckmorton County, TX | $306,000 | $391,000 |
Titus County, TX | $306,000 | $391,000 |
Trinity County, TX | $306,000 | $391,000 |
Tyler County, TX | $306,000 | $391,000 |
Tyler, TX MSA | $306,000 | $391,000 |
Upton County, TX | $306,000 | $391,000 |
Uvalde County, TX | $306,000 | $391,000 |
Val Verde County, TX | $306,000 | $391,000 |
Van Zandt County, TX | $306,000 | $391,000 |
Victoria, TX MSA | $306,000 | $391,000 |
Waco, TX HUD Metro FMR Area | $306,000 | $391,000 |
Walker County, TX | $306,000 | $391,000 |
Ward County, TX | $306,000 | $391,000 |
Washington County, TX | $306,000 | $391,000 |
Wharton County, TX | $306,000 | $391,000 |
Wheeler County, TX | $306,000 | $391,000 |
Wichita Falls, TX MSA | $306,000 | $391,000 |
Wilbarger County, TX | $306,000 | $391,000 |
Willacy County, TX | $306,000 | $391,000 |
Winkler County, TX | $306,000 | $391,000 |
Wise County, TX HUD Metro FMR Area | $306,000 | $391,000 |
Wood County, TX | $306,000 | $391,000 |
Yoakum County, TX | $306,000 | $391,000 |
Young County, TX | $306,000 | $391,000 |
Zapata County, TX | $306,000 | $391,000 |
Zavala County, TX | $306,000 | $391,000 |